Click here to watch "Real Solutions."

Barack Obama and John McCain have had a lot to say during this election about fixing a wobbly economy and an imperfect health care system. AARP is devoting $20 million to holding them accountable for their promises. The organization’s message to the potential commanders in chief: When it comes to health care and financial security, Americans need less talk and more action.

AARP has joined with Business Roundtable, the Service Employees International Union and the National Federation of Independent Business to create the Divided We Fail campaign, dedicated to "engaging the American people, businesses, non-profit organizations, and elected officials in finding bi-partisan solutions to ensure affordable, quality health care and long-term financial security -- for all of us," according to the Web site. As part of the campaign, AARP on Wednesday launched "Real Solutions" and "More Than Talk" (subscription), two TV ads that will run off and on until Labor Day.

The spots feature portions of speeches from Obama and McCain in which they lament the status quo and pledge to help Americans who are struggling to pay their bills. In the first spot, an array of ordinary Americans are shown watching TV as the candidates' voice-overs play. "We need tax policies that respect the wage earners and job creators," McCain proclaims, as Obama asserts: "We will have a health care system, not a disease care system."

The second spot features a series of photos of the candidates against a backdrop of American flags. There is a sense of suspense as short clips of stump speeches play and Obama vows: "We have the chance to solve problems that we’ve been talking about year after year after year after year." Both ads end with the same message. "Senators McCain and Obama are talking about your health care and financial security. We need more than talk," the screen reads, as an announcer urges viewers to call each of the candidates "and make sure their talk turns into real solutions."

The spots are being aired on national cable, as well as in Orlando and Tampa, Fla.; Des Moines, Iowa; Manchester, N.H.; and Detroit. In a few weeks, they will also play in Albuquerque, N.M.; Columbus, Ohio and Pittsburgh, all markets in swing states that could prove vital in deciding the election in November.

AARP is not promoting one candidate over another. "Our goal is to make certain that both Senators continue to make health care and lifetime financial security their number one domestic priorities during the rest of the presidential campaign in order to make sure that we get positive action on these issues in the new year," the Divided We Fail Web site reads. And with such a substantial ad buy, the group intends to enlist substantial support from the public behind their cause.